EMBARRASS VERMILLION Credit Union Profile

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EMBARRASS VERMILLION

Charter #4708 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (218) 229-2048

Fax: (218) 229-2096

Founding Date: N/A

Website: http://www.evfcu.org

Personnel & Operations

President: Hendrickson, Marty

Manager: Kramar, James

FT Employees: 16

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 5

Hours: 8:00am To 5:00pm Monday - Friday

Credit Union Profile Summary

EMBARRASS VERMILLION is a FCU Credit Union. With a total of 4,833 members [1], this institution manages approximately $65,121,864 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 15.16% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 12.10% [1].

Financial Snapshot

Total Assets [1]
$65,121,864

Total economic resources.

Total Loans [1]
$49,807,357

Total value of outstanding loans.

Total Deposits [1]
$54,630,504

Total funds deposited by members.

Members [1]
4,833

Number of active members.

Performance Ratios

Net Worth Ratio [1]
15.16%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.59%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
91.17%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 13.45%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 12.10%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 0.31%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

600 W 3rd Ave N

Aurora, MN, 55705-1269
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 5 branches reported by EMBARRASS VERMILLION (Charter #4708).

Main Office

Aurora Branch Main Office

Type: Corporate Office

600 W 3rd Ave N

Aurora, MN 55705-1269

Phone: (218) 229-2048

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Embarrass

Embarrass Branch

Type: Branch Office

4880 Highway 21

Embarrass, MN 55732-8244

Phone: (218) 984-3501

Services: Member Services, ATM

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Nett Lake

Nett lake Branch

Type: Branch Office

5342 Lake shore DR

Nett Lake, MN 55772-1200

Phone: (218) 757-0299

Services: Member Services, Drive-Thru

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Tower

Tower Branch

Type: Branch Office

505 Main St

Tower, MN 55790-5004

Phone: (218) 753-4311

Services: Member Services, ATM, Drive-Thru

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Vermilion Branch

Type: Branch Office

1432 Bois Forte RD

Tower, MN 55790

Phone: (218) 753-7878

Services: Member Services

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